• Home
  • Get A Quote
  • Make a Payment
  • Blog
  • Refer A Friend
  • About Us
  • Contact Us
  • Locations
Call Us Call or Text us at (208) 365-2160
BigInsurance.com
  • Home
  • Get A Quote
  • Products
    • Automobile
    • Business & Commercial
    • Concert Venue Insurance
    • Contractors
    • Dental
    • Farm
    • Flood
    • Health
    • Homeowners
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Restaurant, Bar, & Tavern Insurance
    • Vision
    • Watercraft & Boat
  • Make a Payment
  • Blog
  • Resources
    • Refer a Friend
    • Important Links
    • Calculators
    • Insurance Glossary
  • About Us
    • About Us
    • Testimonials
    • Teacher of the Month
    • Privacy Policy
  • Contact
    • Contact Us
    • Locations
Home > Blog > When a Guest Is Intoxicated: How to Handle Holiday Party Risks
TUESDAY, OCTOBER 27, 2020

When a Guest Is Intoxicated: How to Handle Holiday Party Risks

Hosting a holiday party is about bringing people together to have fun. The problem is, alcohol can put individuals at risk. If you plan to host a party, it is important to know your rights and responsibilities in doing so. If injuries occur, your home insurance may offer some coverage for you. Yet, it is criticalfamily dinner that you know what your responsibilities are for protecting your family and guests in these situations. Take a closer look at what to expect.

Know Social Host Liability Laws

If you serve alcohol at a party, a guest might drink it. Then, he or she might cause an accident on the roadway, are you responsible for the losses? You could be.

Many states have dram shop liability laws on the books. These say that the party serving the alcohol could be responsible for the damage caused to a third party. Even if you are a homeowner rather than a bar or pub, these laws could still apply to you. You could be responsible for the losses of the other driver as well as his or her passengers.

What should you do? Home insurance may provide some coverage for these losses. Policy restrictions may apply in some cases, though. What is most important is to understand that liquor liability coverage has limits. If someone dies in a drive driving situation, the costs of such losses can be significant. Your standard liability insurance might not provide adequate compensation.

What Should You Do?

A key to liability suits is that someone has to prove you were responsible for the losses suffered. This means it is up to you to take a closer look at what could happen on your watch.

For example, when alcohol is likely to be important to the event, host it away from your home. Choose another location to reduce some of your liability.

Then, ensure any guest drinking is not driving. As the host, this is one of the most important responsibilities you can have. Limit the number of alcoholic beverages individuals can have.

As the host, you also want to avoid drinking yourself, as this could mean you have less control over the situation. And, be sure to serve food. This can help minimize the effects of alcohol. You may even want to cut off drinking a few hours after guests arrive.

Contact your home insurance company. Find out how much coverage you have. Then, work to minimize risks at your home as well as those on the road after your event takes place.

Also Read: Does Home Insurance Cover Items in Storage Units?

Posted 9:06 AM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020
  • 2019

  • insurance(14)
  • idaho(8)
  • home insurance(7)
  • boise(5)
  • auto insurance(4)
  • coverage(4)
  • life insurance(3)
  • homeowners(3)
  • policy(3)
  • health insurance(2)
  • business(2)
  • business insurance(2)
  • commercial insurance(2)
  • medicare(1)
  • general liability insurance(1)
  • terms(1)
  • life(1)
  • new business(1)
  • workers(1)
  • changing a tire(1)
  • life insurance policies(1)
  • liability(1)
  • health(1)
  • cost to replace home(1)
  • owners(1)
  • general(1)
  • whole(1)
  • water damage(1)
  • bop(1)
  • summertime health risks(1)
  • damage(1)
  • medigap(1)
  • new tires on your car(1)
  • commercial(1)
  • cabin and home wildfire protection(1)
  • savings(1)
  • car on fire(1)
  • workers compensation insurance(1)
  • high deductibles(1)
  • driving safe in extreme weather(1)
  • winter tips(1)
  • homeowners insurance(1)
  • contractors(1)
  • tech business(1)
  • do i have enough insurance(1)
  • benefits(1)
  • trampoline(1)
  • retirement(1)
  • multi-state plan(1)
  • teen drivers(1)

View Mobile Version
Facebook
Allstate
Travelers
Progressive
Auto-Owners Insurance
Safeco
Dairy Land
Twitter Logo
Tweets by @iiiorg

Resources

Home About Get A Quote Payments Blog Contact

Contact Us

BIG logo
  • Emmett Office
  • 602 S Washington Ave
  • Emmett , ID 83617
  • P: 208-365-2160
  •  
  • Nampa Office
  • 410 N Kings Rd 102
  • Nampa, ID 83687
  • P: 208-466-1444
  •  
  • Star Office
  • 9744 West State, ST
  • Star, ID 83669
  • P: 208-365-2160
© Copyright. All rights reserved.
Powered by Insurance Website Builder